Up to 55 days interest free on purchases only if your account is paid in full by the due date shown each month (including any balance transfers but excluding Interest Free Finance Balances in the promotional period)

Late Payment Fee

$35 per statement period if all amounts due are not paid by the payment due date

Over Limit Fee

$30 per statement period if the balance of your account exceeds your credit limit at any time during a statement period and you have provided your consent to incur a fee related to this service

Paper Statement Fee

$2.50 per month for statements delivered to you by post

Dishonour Fee

$10 each time a payment to your account is dishonoured, debited to your account at the time of dishonour

Cash Advance Fee

$5 or 3% of the value of the transaction, whichever is the greater, applies to each cash advance made on your account, debited to your account at the time of the cash advance.

Voucher Request Fee

$8 per requested sales receipt provided by a third party, debited to your account at the time of the request (refunded if a dispute is resolved in your favour)

International Transaction Fee

3% of the value of the transaction applies to each International Transaction, debited to your Account at the time the International Transaction is debited to your account

Over the Counter Transaction Fee

$0 (available in Woolworths stores)

Card Replacement Fee

$0

Information Request Fee

$7 for each document of written information provided which includes each duplicate statement provided

How do you earn Qantas Points

Use your Qantas Platinum Credit Card to make purchases everywhere Visa is accepted to earn Qantas points. You can then spend your Points on Qantas flights and other selected Qantas products and services.

Earn 1 Qantas Point for $1 spent at Woolworths and Woolworth Group stores, in store and online9

Earn 0.5 Qantas Points for every $1 spent on all other eligible purchases9

If your approved credit limit is less than $6,000, you will not be eligible for a Woolworths Qantas Platinum Card and will instead be issued with a Woolworths Everyday Card, which does not entitle you to Platinum benefits.

Need some help?

If you have a question or need some more infomation there are lots of ways to get in touch with us, or you can read our FAQs.

Terms & Conditions

* The $50 Woolworths eGift Card offer is available to new primary cardholders only who apply for a Woolworths Everyday Platinum Credit Card between 12:01am AEDT 31 October 2018 and 11:59pm AEDT 28 February 2019, are approved and spend over $150 in store or online at Woolworths on eligible purchase using their Woolworths Everyday Credit Card once a month, for the first 3 months from when the account is approved. Your $50 Woolworths eGift Card will be sent to the email address provided at the time of applying for a Woolworths Everyday Platinum Credit Card and sent within 8 weeks of meeting the spend requirement, provided that you are not in breach of your credit card Conditions of Use and your credit card account remains open. Eligible purchases exclude balance transfers, cash advances, cash substitutes and transactions for gambling purposes. Woolworths Gift Card terms and conditions apply. Visit woolworths.com.au/giftcards for details.

1. An up to 10% discount will be applied to any new Woolworths Car, Home, Pet or Comprehensive Travel Insurance policy, paid using your valid Woolworths Credit Card, quote the first six digits of your credit card number in the promo code field. Go to woolworths.com.au/insurance. It will not be applied to current policies. Woolworths Life Insurance is excluded from this offer. This Discount Offer is for the life of the policy while paying with your valid Woolworths Credit Card and will be extended on renewal. Woolworths Insurance reserves the right to discontinue or amend this Discount Offer for new policies in the future. Not in conjunction with any other offers. All other promotional and policy discounts are treated separately and combinations of discounts may not be applicable. Minimum premiums may reduce this Discount Offer. Woolworths Insurance is responsible for all representations made regarding the offer and services.

2. Benefits are subject to the terms and conditions including the limits and exclusions of the insurance policy. Woolworths Car, Home, Pet and Travel Insurances are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL No. 241436 (Hollard). Woolworths Group Limited ABN 88 000 014 675 AR No. 245476 (Woolworths) acts as Hollard’s Authorised Representative. Any advice provided is general only and may not be right for you. Before you purchase this product you should carefully read the Combined Product Disclosure Statement and Financial Services Guide to decide if it is right for you (available at woolworths insurance or by calling 1300 10 1234). Woolworths Insurance is responsible for all representations made regarding the offer and services.

3. This offer is only valid when you pay for the purchase at the online checkout with your Woolworths Credit Card. Delivery charges apply. Visit Cellarmasters delivery for full details. Cellarmasters is operated by Cellarmasters Wines Pty Limited, corner Barossa Valley Way and Siegersdorf Rd, Tanunda, 5352, ABN 95 076 727 949, SA Liquor Licence No. 51205679. Offer cannot be used in conjunction with any other offer or promotion. Cellarmasters reserves the right to cancel or amend this promotion at any time. You must be 18 years or older to purchase from this offer. Cellarmasters is responsible for all representations made regarding the offer and services.

4. For full terms and conditions for the Visa Luxury Hotels Collections visit Visa luxury hotel benefits. Visa is responsible for all representations made regarding the offer and services.

5. 10% discount offer applies to existing Woolworths Credit Card holders who make a purchase (i) at any Woolworths supermarket between 12:01am (AEDT) of the selected Saturday and 11:59pm (AEDT) of the selected Sunday for that month; or (ii) online at woolworths.com.au between 12:01am (AEDT) of the selected Friday and 11:59pm (AEDT) of the selected Sunday for that month (“the Offer Period”). Primary Cardholders will be notified via email prior to commencement of the Offer Period. Cardholders must not be in breach of the credit card Conditions of Use to be eligible for this offer. Offer is limited to one transaction per customer, up to a value of $500 in a single transaction. To receive the 10% discount in store, cardholders must scan the barcode on the back of the credit card and pay for their purchase with their Woolworths Credit Card during the Offer Period. To receive the 10% discount online, cardholders must place an order online during the Offer Period, enter their Woolworths Rewards number at the online checkout at woolworths.com.au, pay with their Woolworths Credit Card and spend $30 or more for Pick up orders or $50 or more for Home Delivery orders. Excludes any vouchers or offers or Delivery Saver items, bag fee and crate service fee, internet cafes, purchases of smoking/tobacco products and accessories, Gift Cards (including iTunes), mobile recharge, Woolworths Mobile, travel cards and tickets, Woolworths flowers, Carpet Care and lottery products. Bag fees and crate service fees apply for Pick up and Delivery orders. This offer cannot be used with a Woolworths Online business account (i.e. an account with an ABN or Business Name). This offer is not available in Tasmania. Woolworths reserves the right to cancel or amend this offer at any time without notice. Woolworths is responsible for all representations made regarding this offer. For online orders see woolworths.com.au for available delivery areas and full terms and conditions. $600 is calculated based on the maximum savings that can be earned if a customer makes a single transaction valued at $500 (and therefore obtains the maximum saving of $50) every month for 12 months.

6. After the first year, the annual Primary Cardholder fee will be $49 and a $9 annual fee for each Additional Card. The $0 annual fee offer expires 28 February 2019.

7. Points are subject to the Woolworths Shopping Card Rewards Program Terms and Conditions. 3 points earned for every $1 spent on Woolworths Select and Woolworths brand range of products purchased in-store at Woolworths Supermarkets. 2 points earned for every $1 spent on products purchased at Woolworths Supermarkets, BIG W, CALTEX WOOLWORTHS co-branded fuel outlets, BWS, Dan Murphys and Cellarmasters. 1 point earned for every $1 spent on other eligible purchases. Points are not earned on cash advances, balance transfers or other restricted transactions detailed in the Woolworths Shopping Card Rewards Program Terms and Conditions. Every 4 months, points are automatically converted to a Woolworths Shopping Card redeemable at participating Woolworths Group stores. Participating stores may change from time to time. The Shopping Card is currently not accepted at DVD vending machines, mobile EFTPOS terminals and some CALTEX WOOLWORTHS co-branded fuel outlets. Minimum of 4,000 points is required to receive a $20 Shopping Card.

8. The 0% p.a. interest rate applies only to balances transferred with this offer for the first fourteen months from the date your account is approved and then reverts to the standard variable interest rate for cash advances, which is currently 21.99% p.a. Interest rates are subject to change and Card Services credit criteria. Minimum repayments are required. For further details please click here.

9. Qantas Points are earned in accordance with and subject to the Woolworths Qantas Rewards Program Terms and Conditions. You will earn 1 Qantas Point per $1 spent on spent at Woolworths, BIG W, CALTEX WOOLWORTHS co-branded fuel outlets, BWS, Dan Murphy's and Cellarmasters and 0.5 Qantas Points per $1 spent on all other eligible purchases. Qantas Points do not have any monetary value and are not transferable or redeemable for cash. Qantas Points are issued by Qantas Airways Limited. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program terms and conditions. Further information on the Qantas Frequent Flyer program including the program terms and conditions are available at qantas.com/terms or by calling 13 11 31.Qantas Points are not earned on cash advances, balance transfers or other restricted transactions detailed in the Woolworths Qantas Rewards Program Terms and Conditions.

11. After the first year, the annual Primary Cardholder fee will be $169 and a $29 annual fee for each additional card. The $0 annual fee offer expires 28 February 2019. Annual fees are subject to change.

12. Available to Woolworths Platinum Credit Card holders only.

13. Wallet Guard Insurance and Purchase Security Insurance are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and are subject to the terms, conditions and exclusions contained in the Woolworths Money Everyday Platinum Credit Card policy of insurance between Macquarie Bank Limited (ABN 46 008 583 542 AFSL No. 237502) (MBL) and Chubb. A limit applies of $2,500 per event. This website doesn't take into account your objectives, financial situations or needs. It is important for you to read Woolworths Everyday Platinum Credit Card Insurances Terms and Conditions and consider the appropriateness of that insurance in relation to your individual requirements.

15. Applicable only if your account is paid in full by the due date shown each month (including any balance transfers but excluding any Interest Free Finance purchases that are in the specified promotional period).

16. Visa’s Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please consult your issuer for additional details.

17. You will earn an additional Qantas Point per dollar spent on selected Qantas products and services in Australia, which are Qantas passenger flights (with a QF flight number) purchased directly from Qantas (i.e. where Qantas, and not its’ agent, is identified as the merchant on the credit card transaction) and Qantas Club and Qantas Frequent Flyer joining and annual fees. Purchases at Qantas Freight, Qantas Holidays, Qantas Business Travel, Jetset Travelworld channels, Qantas Staff Travel, the Jetstar Group of companies or goods or services supplied by Qantas Frequent Flyer Program partners are not eligible Qantas products and services and will not earn bonus Qantas Points. The bonus Qantas Points earned each month will be credited to your Qantas Frequent Flyer account within five business days of each Statement Period provided that you are not in breach of the Conditions of Use, your Account remains open and you have provided Card Services with a valid Qantas Frequent Flyer membership number.

Macquarie Bank Limited Australian Credit Licence 237502 is the issuer of the Woolworths Credit Cards. Finance is subject to our credit approval criteria. Terms and conditions apply and may change without notice. No member of the Macquarie Group accepts any liability for reliance on the information contained in this communication other than in relation to products or services provided by Macquarie.